For information on the programs lenders typically have to offer, please take a look at the situation that best suits you, the loan program and it's details represented by the situation. Clicking the "learn more" buttons, more details and advantages/disadvantages of each loan program will be presented to you in a small pop-up window.

No Down Payment Program    [ learn more ]
You don't have cash for a home down payment or want to avoid upfront loan costs.  There are two different mortgage loan programs to choose from.  Some cases allow for financing of mortgage loan closing costs.

Low Down Payment Program    [ learn more ]
You only want to put down 3-5%.  No maximum income earning restrictions and loan amounts up to $300,000.

Combination Program    [ learn more ]
You have between 5-10% for a down payment and want to avoid paying traditional mortgage insurance.  You offset the traditional mortgage insurance by a higher interest rate which often provides opportunity for a tax deduction.

Non-Conforming Program    [ learn more ]
Home mortgage loans up to two million dollars, investment properties, second homes and condos.  Reduced loan documentation, no ration loans, no income/no asset, expanded program, foreign national loan program.

Basic Fixed Rate Program   [ learn more ]
You want the stability of a fixed principal/interest payment over the life of the loan.  Down payments are as low as 0% with no down payment program loan assistance options to help first time home buyer loan applicants.%

Adjustable Rate Program    [ learn more ]
Do you want to start with a low monthly mortgage payment to help you qualify for a larger new home?  As little as 5% down, current loan interest rate adjustments each 6 months or 1 year after mortgage loan begins.